Does Automobile Insurance Follow the Car or the Driver?

By Gary Wickert | June 5, 2014

  • July 13, 2015 at 7:37 am
    juliana says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    if you are only driving someone elses car because they just got outt hospital and they would not let her if we wreck in it does more damage to hers so i get a failure to pay full time and attention is it fair they not cover my med under bodily injury when only reason i was driving her car was she was medicated still

  • July 26, 2015 at 9:30 pm
    dan says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    Is it legal for an insurance company to have my husband and I as drivers then also have him excluded? I have called they say it is no big deal it is just their system and he must of had an id and it just wont cover if he is driving with the id. He had an id years ago before getting a DL. After that the ID was surrendered. I was told by the agent that it was just someone with the same name. I no longer believe that. They wont remove or change it. It looks and sounds shady. I am looking for different insurance, but would appreciate any insight or help please.

  • July 31, 2015 at 2:58 pm
    phoenix says:
    Like or Dislike:
    Thumb up 3
    Thumb down 1

    Ummm, what’s going on here?

    Why are all these “what if?” and “am I covered?” questions coming in on a website targetting insurance professionals? This is basic stuff if you’ve spent any amount of worthwhile time in the business.

    If you’re an insured asking these questions, you should be asking your agent. If you’ve bought insurance without knowing the answers to these questions and you don’t have an agent, well, that’s on you. Get your policy and read the definition of Covered Auto. It will tell you all you need to know.

    If you’re an insurance professional asking these questions, please consider dropping the second half of that term from your occupation.

  • August 8, 2015 at 11:39 am
    Tammy says:
    Like or Dislike:
    Thumb up 0
    Thumb down 3

    Women also drive. It’s the 21st century and we now include female pronouns in discourse.

    • September 6, 2015 at 10:04 pm
      Timmah says:
      Like or Dislike:
      Thumb up 2
      Thumb down 1

      Women “drive” lol. They attempt to drive

  • September 6, 2015 at 6:29 am
    mary mcgaulley says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    what does having to sign a Universal for mean when the insurance company won’t allow a family member to drive any of the cars

  • September 18, 2015 at 9:55 am
    Aamir says:
    Like or Dislike:
    Thumb up 2
    Thumb down 0

    Does anyone know if in Texas, it is required to have an insurance for vehicles also if I am not requiring full coverage on them? Isn’t driver insurance enough? Do I have to list all the vehicles in the household or just listing the drivers is enough? I am paying insurance on cars that are garaged and get driven only occasionally.

    Thanks

  • October 2, 2015 at 12:17 pm
    Dennis says:
    Like or Dislike:
    Thumb up 2
    Thumb down 0

    I own two autos, they are both fully insured. My question is when i drive a rented or some one elses car my comp and collision follows me. So why can i not drop the comp and collision on one of my cars and still have the comp and collision follow me when i drive it? I’m paying for duplicate coverage.

  • October 21, 2015 at 12:24 pm
    Allen Shulman says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    Here in Georgia where I’m insured by State Farm the policy is (according to my agent after checking with both the Auto and the Umbrella underwriters) such that if I go out for dinner with a neighbor and we take his car with him driving, and if he has a bit too much to drink, or feels ill at some point, and I drive him and his car home and on the way negligently plow into a van full of hedge fund managers, I either have no liability coverage at all (if his policy lacks a permissive use clause), or only whatever possibly meager liability limits he bought (if his policy has a PU clause). In no event would I have the benefit of the substantial auto/umbrella coverage I’ve been paying premiums for. My policy would answer if the neighbor’s car were a “temporary replacement” for my own car, but since mine was available, the neighbor’s car doesn’t qualify. My agent also told me that no “portable” liability coverage is offered because the underwriting criteria and premium is based on the type of car, and the insurance company doesn’t want to insure my driving the No. 3 Goodwrench Chevrolet down Maple Street.

    Is anyone aware of any carrier in Georgia who offers coverage that would let me take over driving from my tipsy neighbor without either getting a Certificate of Insurance from his carrier or risking bankruptcy?

    • November 2, 2015 at 2:49 pm
      Just Some Underwriter says:
      Like or Dislike:
      Thumb up 0
      Thumb down 0

      Allen: Your agent and underwriter’s interpretation of when liability coverage would/wouldn’t apply flies in the face of everything I know. If you are driving another vehicle – with that persons permission – your liability coverage should extend to that vehicle. The ‘temporary replacement’ is not relevant in any definitions I’ve ever seen. There may likely be a clause that no liability would extend to a non-listed vehicle that is regularly available for your use, but your scenario does not fit that bill. The ‘temporary replacement’ clause could very well have an impact on whether comp/collision would apply. But liability, especially for an Umbrella policy? I’d love to see the clauses that exclude the coverage.

      It’s possible SF’s contract is written in a way that everything your agent and underwriters are telling you is correct, but it’s not standard and certainly nothing I’ve come across in obtaining my CPCU, AIC, ARe and AINS designations.

      But, I’ve been wrong before.

      • November 3, 2015 at 2:06 am
        Allen Shulman says:
        Like or Dislike:
        Thumb up 0
        Thumb down 0

        Thanks for taking the time to respond. I had the same understanding as you, having been raised on a “drive other cars” clause. Your skepticism is a good reason to pursue this further.

  • November 10, 2015 at 10:15 pm
    Hans says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    Appreciative of any assistance.

    I was recently in a car accident where I was the at fault driver. I own two vehicles, both with different insurance carriers. When I reported the incident to the carrier for the vehicle involved they informed me that my insurance policy had been cancelled 9 days prior. I had lost the card used to auto-pay for the monthly premium and had not informed the carrier of the card change. The address on record for my mailing was also off by one digit (I had recently moved and made the error), so I never received notice of cancellation that was sent by the carrier. No phone call or email was sent.

    At the time of the accident I was fully covered by my other carrier for the vehicle not involved (have had the insurance for years, it is paid with a different account with zero problems). Does this constitute as being covered in any manner, thereby removing the potential of having my license suspended altogether (which occurs in California if a vehicle is reported to the DMV without any insurance coverage)? Do I have grounds to dispute being cancelled without proper notification by the other carrier? Could my active insurance cover me in any manner? I typically protect myself in numerous ways and this fluke could seriously disrupt everything. Hoping for any info.

    Thanks!

    • November 13, 2015 at 2:41 pm
      Annonymous Internet User says:
      Like or Dislike:
      Thumb up 0
      Thumb down 0

      The question about being covered in any manner is a good one – I’m not sure on how the state would rule on that. My hunch is that since the vehicle did not have insurance it won’t count, but it’s worth a shot at trying.
      Typically the insurance company is just required to send notice by mail to the last known address. If they messed up the address, then you could have grounds. However, if you messed it up, they probably don’t have any obligation.
      Typically the policy language will have something about not covering vehicles that you own that aren’t listed on the declarations page or available to you on a regular basis. This avoids having multiple vehicles and only paying insurance on one of them and still having coverage across the board.
      Unfortunately, I don’t believe there is much chance for coverage.

  • November 11, 2015 at 2:52 pm
    Nanette says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    My fiancĂ© backed my car into a mailbox. Whose insurance should the claim fall under? He only has liability and I have full coverage. It doesn’t seem fair for me to lose my accident free discount, etc. when I wasn’t even driving the car.



Add a Comment

Your email address will not be published. Required fields are marked *

*